The scapula forms the back of the shoulder girdle. In humans, it is a flat bone, roughly triangular in shape, placed on a posterolateral aspect of the thoracic cage.
Term life insurance with a return of premium rider allows the owner to get his or her money back at the end of the contract period. The return of premium rider allows the owner to cancel the policy and get back a portion of the paid in premiums. Of course, this optional rider has pros and cons, which we explore next.
If you donât die during the term of the policy, it simply lapses, and you will need to take out a new policy if you still want life insurance. Reasons to take out level term life insurance. People often buy level term insurance when they take out a mortgage.